Card Unused
If I cancel an unused credit card do I still pay for the anual fee or something?
I just got a credit card, but the credit limit is much lower than I was expecting... If I cancel it before I even use it for the first time, are there any charges I will have to pay???
thanks///
I already have two other credit cards, the credit they gave is so low i don't think is worth the anual fee...
They may prorate the annual fee - that is, divide the fee by the number of months that have gone by since you opened the account. Or, they may charge you the whole thing - you would have to check with them to find out.
If this card isn't your oldest card and doesn't have a high limit, then it won't affect your credit score much to cancel it.
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